Proposition 45 would expand the regulation of health insurace rates in California. Changes to rates or anything effecting the charges associated with health insurance would require California Insurance Commissioner approval. Rate changes would require public notice, disclosure, a hearing, and judicial review. Large health plans would be exempted. Policy eligibility could not be determined by health, homeowner, or auto insurance companies. The measure would likely increase state administrative costs to regulate health insurance.
For more information on this proposition, including voter resources, in-depth analysis, and endorsements, please see the California Choices web site.